KudiFlowKudiFlow AI
The Business Operating System for African SMEs

Run your entire business with AI, MoMo & USSD.

KudiFlow AI is the all in one operating system for African SMEs. AI Copilot, mobile money collections, inventory, invoicing, CRM, payroll, analytics plus offline USSD *919*4016# that works on any phone.

No bank account needed Works offline Free to start

KudiFlow AI Copilot

Online Ask me anything

👋 I'm your AI Copilot. I can record sales, follow up debts, create invoices, restock inventory, generate reports, and more. Try me!
10:28 AM
Sold 3 bags of rice for 450 cedis to Nana Kwame
10:28 AM
Transaction Confirmed
Intent

SALE

Total

GHS 450.00

Product

Rice

Qty

3 bags

Customer

Nana Kwame

10:28 AM
Chat with your AI Copilot...
Get started in minutes

Three steps to run your business with AI

From first registration to AI powered daily operations faster than ever.

01

Register in 1 Minute

Verify your phone number with a secure SMS OTP and enter your business name.

02

Record with AI or USSD

Type your sales like a WhatsApp message, talk to your AI copilot, or use the offline USSD menu.

03

Grow with Insights

Accept mobile money payments, track everything, and receive AI analysis on profit and expenses.

Everything you need to run your business

The complete operating system for African SMEs

AI powered tools for sales, payments, inventory, CRM, team management, analytics, and more all in one platform.

AI & Intelligence

AI Copilot

Autonomous business agent record sales, follow up debts, create invoices, restock inventory, generate reports, schedule payments.

AI Transaction Recorder

Record sales and expenses via chat or voice in English. Just type or speak naturally.

SMS Debt Reminders

Automated SMS alerts to debtors set it and forget it. Push notifications for pending collections.

Daily AI Briefing

Executive summary every morning revenue, profit, cash flow, risks, and prioritized actions.

AI Fraud & Anomaly Detection

Automatic detection of unusual expenses, duplicate invoices, and suspicious account activity.

AI Pricing Engine

Recommends optimal selling prices based on profit margin, demand trends, and seasonality.

AI Inventory Forecasting

Predicts stockout dates, demand trends, and reorder quantities to keep your shelves full.

AI Business Coach

Personalized recommendations to grow your revenue, cut costs, and improve operations.

AI Recommendation Engine

Continuous monitoring of your business with proactive, context aware suggestions.

Sales & Operations

POS Checkout

Product grid, cart, tax calculation, payments, receipts, and auto stock deduction at the till.

Online Store

Auto generated storefront with MoMo & card payments, order tracking, and real time inventory sync.

Customer Portal

Customers view invoices, pay online, download receipts, track orders, and chat with you.

Shareable Product Catalog

WhatsApp catalog, PDF catalog, online catalog, QR codes share your inventory anywhere.

Barcode & QR Scanner

Camera based scanning for inventory, POS checkout, and payment verification.

Inventory Management

Stock tracking, low stock alerts, AI predictions, product images, and supplier management.

Invoicing

Create, send, and track invoices with auto numbering, payment links, and status tracking.

Payments & Fintech

Mobile Money Collections

Accept MTN MoMo, Telecel Cash, and AirtelTigo Cash payments via payment links and QR codes.

Supplier & Worker Payouts

Disburse MoMo payments to suppliers, delivery riders, and workers bulk send wages from your KudiFlow balance.

Bulk Send Money

Pay multiple employees, suppliers, or contractors at once via MoMo with a single batch payout.

GHQR Codes

In person QR code payments customers scan and pay via their mobile money app.

Card Payments

Accept Visa, Mastercard, and other cards via hosted payment links no developer setup needed.

Public Payment Page

Shareable checkout links send to customers via WhatsApp, SMS, or email for instant payment.

Bank Reconciliation

Import bank statements, auto match transactions, and highlight unmatched entries.

Multi Currency Support

USD, EUR, GBP with automatic conversion. Record and accept payments in any currency.

CRM & Customer Management

Customer Management

Full customer profiles with purchase history, contact info, and AI powered insights.

Supplier Management

Track supplier performance, payment history, and get AI recommendations for vendor selection.

Debt & Credit Tracking

Risk level ranking of debtors, AI powered collection prioritization, and auto reminders.

Customer Loyalty

Reward points, membership levels, referral rewards, and digital gift cards to retain customers.

Marketing Center

AI powered social posts, campaigns, product descriptions, and promotional flyers.

Team & Collaboration

Team Management

Owner, Manager, Cashier, Sales Rep, and Accountant roles assign and manage your team.

Granular Permissions

View, edit, delete, approve, payments, and reports fine grained control per user role.

Activity Logs

Full audit trail of every action taken in your business who did what and when.

Payroll

Manage salaries, allowances, deductions, taxes, and generate payslips for your employees.

Automation & Workflow

Workflow Automation

IF stock < 10 THEN notify manager. IF invoice overdue 7 days THEN send reminder. Set and forget.

Scheduled Reports

Daily, weekly, or monthly reports delivered via email, WhatsApp, or SMS automatically.

Smart Notifications

Low stock alerts, invoice due reminders, debt collection, AI suggestions, and security alerts.

Command Palette

Cmd+K global search press Ctrl+K to search, navigate, and take actions instantly.

Business Intelligence

Executive Analytics

Revenue, profit, cash flow, forecasts, sales heatmap, and drill down into any metric.

Capital & Balance Tracking

Track your business capital, all time balance, daily profit/loss, and get AI alerts on financial health.

Business Scorecard

Overall business score, risk level, strengths, weaknesses, and a prioritized action plan.

AI Insights

Trend analysis, expense warnings, inventory advice surfaced proactively by AI.

Cash Flow Forecasting

Future cash projections with scenario planning to keep your business liquid.

Profit Simulator

What if scenarios with interactive sliders see how price changes affect your bottom line.

Reports Center

Daily, weekly, monthly, quarterly, and yearly reports with PDF, CSV, and Excel export.

Security & Compliance

Security Center

Device management, login history, audit trail, and two factor authentication (2FA).

Tax Center

VAT, sales tax, and income reports with a tax dashboard and export ready compliance documents.

Digital Documents

Digital signatures, invoice signing, delivery confirmation paperless operations.

Data Privacy & Security

End to end encrypted, secure cloud storage with regular backups and compliance.

Infrastructure

USSD Services

Dial *919*4016# on any phone no smartphone or internet needed. Record sales, pay, check balance.

Offline First

Local database with background sync and offline queue your business never stops, even offline.

Public REST API

Full API for authentication, inventory, sales, customers, invoices, and webhooks integrate anything.

Integrations

Sync with Google Sheets, WooCommerce, Shopify, WhatsApp Business, and more.

PWA

Install KudiFlow on your phone home screen. Works offline, sends notifications, feels native.

Premium UI/UX

Beautiful responsive design with dark/light theme, smooth animations, and mobile first experience.

Works on Any Basic Phone No Internet Needed

Using KudiFlow via USSD

Dial *919*4016# on any phone to record sales, pay suppliers, and check your balance, even when there is no internet.

Record a Sale via USSD

No internet required

1
Dial*919*4016#

on any phone

2
Select1 → Record Sale

from the main menu

3
EnterProduct name

e.g. Rice, Cooking Oil

4
EnterAmount in GHS

e.g. 150

5
EnterQuantity

e.g. 3 (default is 1)

6
Done!SMS confirmation sent

Sale logged in your ledger

Pay a Supplier via USSD

Direct MoMo payout, no cash needed

1
Dial*919*4016#

on any phone

2
Select3 → Pay Supplier

from the main menu

3
EnterSupplier name

e.g. Kwame Distributors

4
EnterSupplier phone

e.g. 0241234567

5
SelectMoMo network

1. MTN 2. Telecel 3. AirtelTigo

6
EnterPayout amount (GHS)

Supplier receives SMS receipt

Full USSD Menu, dial *919*4016#

1Record Sale
2Daily Profit
3Pay Supplier
4Customer Debts
5Wallet Balance
6Send Money
Simple, Transparent Pricing

Pick a plan that fits your business

Start free. Upgrade when your business grows. No hidden fees. Transaction fees apply only when you collect or send payments.

Available in Ghana & Nigeria — pay with your local currency

FREE

For solo traders & market vendors getting started.

GHS 0 / month

≈ NGN 0

  • Up to 100 transactions/month
  • Unlimited transactions
  • AI Sales Recording (Voice & Text)
  • AI Business Insights & Reports
  • MoMo Payment Links & QR Codes
  • Supplier & Worker Payouts via MoMo
  • Inventory & Stock Management
  • Business Capital Tracking
  • Shareable Product Catalog (WhatsApp/PDF)
  • Barcode & QR Scanner
Most Popular

GROWTH

For growing shops needing AI-powered tools & automation.

GHS 29 / month

≈ NGN 3,422

  • Up to 100 transactions/month
  • Unlimited transactions
  • AI Sales Recording (Voice & Text)
  • AI Copilot (Autonomous Agent)
  • AI Fraud & Anomaly Detection
  • AI Pricing Engine
  • AI Inventory Forecasting
  • AI Business Insights & Reports
  • MoMo Payment Links & QR Codes
  • Supplier & Worker Payouts via MoMo
  • Inventory & Stock Management
  • Business Capital Tracking
  • SMS Debt Reminders
  • Advanced AI Reports
  • Workflow Automations (IF/THEN)
  • Scheduled Reports (Daily/Weekly/Monthly)
  • Shareable Product Catalog (WhatsApp/PDF)
  • Marketing Center (AI Content)
  • Customer Loyalty & Rewards
  • Security Center (2FA, Audit, Devices)
  • Barcode & QR Scanner
  • Offline-First Mode

BUSINESS

For multi-staff SMEs needing full control & integrations.

GHS 79 / month

≈ NGN 9,322

  • Up to 100 transactions/month
  • Unlimited transactions
  • AI Sales Recording (Voice & Text)
  • AI Copilot (Autonomous Agent)
  • AI Fraud & Anomaly Detection
  • AI Pricing Engine
  • AI Inventory Forecasting
  • AI Business Insights & Reports
  • MoMo Payment Links & QR Codes
  • Supplier & Worker Payouts via MoMo
  • Inventory & Stock Management
  • Business Capital Tracking
  • SMS Debt Reminders
  • Advanced AI Reports
  • Workflow Automations (IF/THEN)
  • Scheduled Reports (Daily/Weekly/Monthly)
  • Team Collaboration & Roles
  • Online Store & Customer Portal
  • Shareable Product Catalog (WhatsApp/PDF)
  • Bank Reconciliation
  • Payroll Management
  • Tax Center (VAT & Income Tax)
  • Marketing Center (AI Content)
  • Customer Loyalty & Rewards
  • Digital Documents & Signatures
  • Security Center (2FA, Audit, Devices)
  • Barcode & QR Scanner
  • Offline-First Mode
  • Public REST API & Webhooks
  • Third-Party Integrations
  • Bulk Send Money (Worker Wages via MoMo)
  • Priority Support (WhatsApp/Phone)

All plans include a 14 day free trial on paid features. No credit card required.

Trusted by local merchants

“We use KudiFlow to track our service invoices and customer payments. The AI recording makes logging service sales so easy!”

WN
Willian Nii NetteWillsther Proffessional Service

“KudiFlow USSD *919*4016# is a life saver when internet is bad at our electronics shop. I pay my delivery riders directly via supplier payouts.”

EB
Enoch BoatengQE Electronics

“The AI sales recording is incredibly accurate. I just type 'sold 3 crates of eggs for GHS 240' and everything is logged. Our wholesale merchandise bookkeeping has never been this clean.”

DK
Daniel KorantengPrestidge Merchandise

Frequently Asked Questions

Ready to run your business with AI?

Join hundreds of Ghanaian SMEs using KudiFlow AI to automate operations, collect payments, and grow with AI insights.

No credit card14 day free trialCancel anytime